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  • April's Credit Card Debt Tips
  • April's Credit Card Debt Resources
  • April's Credit Card Debt Success Story



Debt Quiz

1)

Are debts causing arguments at home or making your home life unhappy?

Yes No Sometimes
You must answer all the questions

2)

Have you reached or exceeded the maximum credit limits on your credit cards?

Yes NoSome
You must answer all the questions

3)

Do you have any money in savings?

Yes No
You must answer all the questions

4)

Would you have enough money to cover 3 months of expenses if you had an emergency?

YesNoMostly
You must answer all the questions

5)

Do you only pay the minimum amounts due on your credit card bills?

YesNoSometimes
You must answer all the questions

6)

Have you ever made unrealistic payment promises to creditors?

Yes NoSometimes
You must answer all the questions

7)

Have you asked to borrow money to pay your debts off?

Yes NoSometimes
You must answer all the questions

8)

Are creditors/collectors calling you regarding late payments?

Yes NoSometimes
You must answer all the questions

9)

Do you worry your employer/family/friends will find out about your debt problems?

YesNoSometimes
You must answer all the questions

10)

Do you take out loans or buy on credit without consideration for the interest you will have to pay?

Yes NoSometimes
You must answer all the questions

11)

Have you ever made a plan to pay off your debts, only to break it because the money gets used
on expenses?

Yes NoSometimes
You must answer all the questions

12)

Have you ever taken out cash advances or payday loans to make the payments on your credit cards?

Yes NoSometimes
You must answer all the questions

13)

What is your debt-to-income ratio? (Divide total monthly debt payments by your total take-home income.)

36% or less 37% - 49%50% or more
You must answer all the questions
      


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Self-Help Booklets
Credit Cards: What You Need to Know

This basic ‘Credit 101' publication explores the pros and cons of using credit, provides a guide and calculation formula to help consumers find out how much credit they can afford, and offers advice on what elements should be considered before applying for a credit card, how to build a positive credit history, and existing credit rights.

1 of 4

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

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All Consolidated Credit counselors are certified personal financial counselors (CFC)
We’ve helped 5 million people get out of debt!
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Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

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Consolidated Credit Consulting Services, Inc.
has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business.
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Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.
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Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating.
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Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company.
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U.S. Department of Housing and Urban Development - HUD’s mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

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